Insurance Ombudsman Online Complaint Kaise Karein? (Step by Step Guide) скачать в хорошем качестве

Insurance Ombudsman Online Complaint Kaise Karein? (Step by Step Guide)

Insurance Ombudsman Online Complaint – Step by Step Guide (Hindi Explanation) If your insurance claim is rejected or the company is delaying your settlement, don’t worry — you are not helpless. Every policyholder in India has the right to complain to the Insurance Ombudsman for free. This video explains in detail: ✅ When you can file a complaint ✅ Documents required ✅ Step by step online process ✅ What happens after filing Ombudsman Website Link- https://www.cioins.co.in/ 📑25 Lessons I wish I Knew (e-book) - https://bit.ly/41MEODP Read On KIndle- https://www.amazon.in/dp/B0F295T5VG 📲 Ask your query - https://bit.ly/3FJium2 🔔 Join the Impact Buddy family - https://bit.ly/4l7cvra Join 🟢💬 WhatsApp & Stay ahead ! 📢✨ https://bit.ly/4hrGGGL This guide is useful for health insurance, life insurance, term insurance, motor insurance, and travel insurance policyholders. If you have faced claim rejection, delay in settlement, unfair deductions, mis-selling, or poor service, the Ombudsman is your solution. 🔹 What is Insurance Ombudsman? The Insurance Ombudsman is an independent authority set up by the Government of India and IRDAI to resolve disputes between policyholders and insurers. The process is free, simple, and fast, unlike courts where cases take years. 🔹 When Can You File an Ombudsman Complaint? You can complain if: Claim rejected without valid reason Partial or unfair claim settlement Delay of more than 30 days in insurer’s response Policy mis-selling or unclear terms 👉 Important: First complain to your insurer in writing. If they don’t resolve within 30 days, then you can approach the Ombudsman. CHAPTERS 00:00 4 Conditions To File Complaint 01:01 Ways To Complain & Important Documents 03:08 Online Complaint Process - Step By Step 11:31 What To Do After Complaint ? 14:48 Why Prefer Ombudsman before Other Forums ? 🔹 Documents Required Keep these ready: Insurance policy copy Claim form & rejection letter (if any) Emails/SMS/letters with insurer KYC documents (ID/address proof) Medical bills, hospital discharge (for health insurance) FIR, RC, DL (for motor insurance) Death certificate (for term/life insurance) 🔹 Step by Step Process (Online) Visit official portal – https://www.cioins.co.in Register as complainant (email/mobile) Fill complaint form – policy details, insurer name, issue Upload documents (ID, rejection letter, communication) Submit complaint – receive acknowledgment & reference number Case assigned to Ombudsman office in your region 📌 Offline: You can also submit by post/hand delivery to Ombudsman office. 🔹 What Happens Next? Ombudsman first tries conciliation/mediation If no settlement, a simple hearing is conducted Final written decision (award) within 3 months Decision is binding on insurer, optional for policyholder If not satisfied, you can still go to Consumer Court 🔹 Ombudsman for Health Insurance Common complaints: Claim rejected due to pre-existing disease Hospital not in cashless network Room rent & consumable deductions Delay in TPA/insurer approval 👉 Many policyholders have received their rightful claims after Ombudsman intervention. 🔹 Ombudsman for Life & Term Insurance Issues include: Death claim rejection due to alleged non-disclosure Delay in settlement Mis-selling of ULIPs or traditional plans Wrong charges/deductions Ombudsman has helped thousands of families in term insurance claim disputes. 🔹 Ombudsman for Motor Insurance Common issues: Claim not settled after accident Excess deductions in OD claims Delay in cashless repair approval Rejection on technical grounds Ombudsman can direct insurer to settle such claims fairly. 🔹 Tips Before Filing Always keep written proof (emails, letters) File complaint within 1 year of insurer’s reply Be polite, clear & attach all evidence Never rely only on verbal promises by agents 🔹 Why This Video is Important Whether you have health insurance, life insurance, term insurance, or motor insurance, one day you or your family may face a claim dispute. Knowing the Insurance Ombudsman process can save you from stress, delay, and financial loss. This video is a must-watch for: People facing health insurance claim rejection Families with pending term insurance death claims Car/bike owners with delayed motor claims Anyone who wants to know policyholder rights in India Final Words: Insurance is meant to protect you, not trouble you. If your claim is delayed, rejected, or unfairly settled, don’t stay silent. Use your rights, file an Ombudsman complaint – it’s free, fair & fast. 📌 Watch the full video for the step by step process in Hindi. 📌 Share this with friends & family – it may help someone get their rightful claim money.